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New Hampshire Car Insurance Laws

New Hampshire is one of the few states in the US that does not require drivers to carry car insurance in order to be legal on the roads. However, drivers should carry at least a liability policy because if a driver is in an accident, and the driver is deemed to be at fault for the accident, the driver will need to post the amount equal to damages in the accident as bond. To find affordable auto insurance, enter your ZIP code into our FREE car insurance tool now!

It is in all drivers’ best interest to carry auto insurance.

Full Coverage Insurance in New Hampshire

If the driver’s car is leased or financed by a bank or finance company, the leasing or finance company will require the driver to carry a full coverage auto insurance policy in New Hampshire. To get a quote for full coverage car insurance includes comprehensive and collision coverage.

The full coverage policy may also include uninsured driver and other coverage types, such as gap insurance. Finance and leasing companies require full coverage so that if the vehicle is damaged or stolen, they will receive compensation for the loss of their property. Car insurance companies check credit in order to make these types of insurance more affordable.

Required Liability Insurance in New Hampshire

In New Hampshire, there are also certain conditions when a driver is required to carry at least a liability policy. If the driver has been convicted of a motor vehicle offense, such as a DUI offense, the driver is required to carry liability insurance for three years after the incident. With a second conviction, the driver is required to carry liability insurance for five years.

new hampshire car insurance lawsThe minimum requirements of mandatory liability auto insurance are:

  • $25,000 for Bodily Injury
  • $50,000 per Accident, Total Bodily Injury
  • $25,000 for Property Damage

These minimums are expressed as 25/50/25.

Out of State Drivers

If a driver lives in another state and travel to New Hampshire, the driver’s home state auto insurance coverage will provide coverage while in the Live Free or Die state.

New Hampshire Seat Belt Laws

Interestingly, New Hampshire does not mandate the use of seat belts for drivers or passengers. However, the state does require that children be restrained in child safety seats while the vehicle is in motion.

Even though state law in New Hampshire does not require that drivers purchase auto insurance, the lack of insurance carries severe problems if the driver is in an accident or damages property. The driver is responsible for the full amount of damages or personal injury caused, if they are at fault. It is in everyone’s best interest to carry an auto insurance policy, even in New Hampshire where the law does not mandate insurance.

Purchasing Auto Insurance in New Hampshire

Whether you live in, work in or travel to New Hampshire, you should make sure that you carry auto insurance to ensure that you are covered in case of an accident. Even if auto insurance is not required by law, everyone should be covered due to the consequences if you are in an accident. Protect your finances by maintaining an auto insurance policy no matter what state you call home.

car insurance laws new hampshireCompare Auto Insurance Policies in New Hampshire

Auto insurance companies charge different rates for similar policies. Additionally, different insurance companies offer different discounts to their policy holders. Even if auto insurance companies have similar discounts, such as discounts for college students with good grades, the percentages they offer for the discounts may be vastly different.

When you are ready to purchase an auto insurance policy, take a few steps to make sure that you get the best deal.

To get the best policy and rates for your auto insurance policy, compare companies and rates using an online comparison application. These web-based comparison applications allow you to compare and contrast different auto insurance company offerings by comparing policies and rates for similar policies.

To use our FREE online comparison application, type in your ZIP code into the input box. The application will return a list of car insurance companies that sell car insurance policies in your area. Once you have a list of the various car insurance carriers that provide coverage in your geographical area, you will be able to compare policies and rates for those companies.

Whether you live in New Hampshire or any other state, carrying adequate auto insurance is in your best interest. Enter your ZIP code into our FREE car insurance comparison tool to find good rates now! Make sure you have enough auto insurance to protect you and your finances in the event of an accident.

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